Whether you are a retail operation, distributor, office, shoe store, manufacturer or a medical office, you have a need for General Liability Insurance. However, it is important to remember that there is much more to formulating a well rounded program of insurance than a simple General Liability policy. Consider that the insuring agreement of General Liability policy limits the scope of its protection for claims resulting from bodily injury, property damage, Personal and Advertising Injury; and Medical Payments. The protection provided by this form is very narrow when you consider the other activities in which a business engages.

What about wrongful activities that do not result in bodily injury, property damage, or Personal and Advertising Injury? By way of example, consider the accountant that errs in his professional work and causes a client to suffer financial harm. Given the fact that financial harm is outside the scope of the General Liability insuring agreement there will be no coverage provided for this type of loss. However, this financial harm is precisely what a Professional Liability policy is intended to insure. The business insurance professionals at McMichael Insurance are ready to assist you with all your business insurance needs.

By clicking the above tab you will find the most commonly used Commercial General Liability coverages and a brief explanation of their intended use.